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#1145095 Sun Jan 17 2016 02:34 AM
Joined: Dec 2008
Posts: 1,094
5
'Bolter
Looking to get a medicare supplement. Plan F. So many Ins. companies to choose from. Any recommendations, pro or con, would be appreciated.
TIA.


Brian
1955.2 3100 Truck


The older I get the more dangerous I am!!!!!
55shaker #1145100 Sun Jan 17 2016 02:59 AM
Joined: Aug 2005
Posts: 9,502
Ex Hall Monitor
Plan F plans are the most expensive. For a lot less money I recommend a plan N. Same basic coverage as the F except you have "up to" a $20 co pay for an doctor visit and a $50 co pay for an ER visit. After you pay the annual deductible everything else is paid 100% and the monthly premium is a LOT less. This years part B deductible is about $160. What plans cover. My plan N premium this year is $122. A plan F would have been about $200. Go to medicare.gov to find out what plans are offered in your area then go to each company's site to get prices. It would be nice if they had the same type of comparison page for supplement plans like they do part D plans. I found out BCBS of Kansas was the cheapest around my neck of the woods.

Last edited by Tiny; Sun Jan 17 2016 03:02 AM.

Save a life, adopt a senior shelter pet.
The three main causes of blindness: Cataracts, Politics, Religion.
Let's go Jared!
Name your dog Naked so you can walk Naked in the park.
55shaker #1145103 Sun Jan 17 2016 03:22 AM
Joined: Dec 2001
Posts: 15,898
'Bolter
I have a plan G with GPM Life. I was going to go after a no deductible plan but with the G plan I have I pay 147 a year deductible and its all covered after that. I like it but the plan for YOU may be something totally different. With the eye surgeries, open heart and a few other things, my insurance man helped me make the right call. 147 a year and I'm done!

...most insurance folks can write the same plans but some will "push" one more than the other. Check, double check!
...and what you want/get may depend a lot on what you think you're going to need looking ahead. For me, I knew my future wasn't going to be pretty and it wasn't!

A good insurance man will show you several plans, side by side, and the comparisons/differences are quite obvious.


1937 Chevy Pickup [stovebolt.com]

1952 Chevy Panel [stovebolt.com]
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1950 Chevy Coupe
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I'd rather walk and carry a Chevy hub cap than ride in a Ferd.
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55shaker #1145106 Sun Jan 17 2016 03:29 AM
Joined: Dec 2008
Posts: 1,094
5
'Bolter
Tiny & Achipmunk, I got to have plan F. I can't even get plan G because of my recent health condition. I hear that's it not smart to pick an ins. co. with the lowest price, cause after you sign up with them they raise the rates to higher cost than the other ins. co.'s down the road. So I trying to find what other ins. co.'s people have dealt with and had good or bad luck with.


Brian
1955.2 3100 Truck


The older I get the more dangerous I am!!!!!
55shaker #1145142 Sun Jan 17 2016 02:01 PM
Joined: Aug 2005
Posts: 9,502
Ex Hall Monitor
Once you're signed up and they accept you they can't raise the premium until the next year. Alvin the deductible was $147 last year but it's gone up to $166 this year. If you currently have a plan they can't cancel you but if you're changing plans or companies they can refuse you. I went through that this year. I stayed with a plan N but changed from Humana to BCBS of Kansas. The BCBS underwriters had to give it the OK. Once they accept you, you're in until you decide to change. If you're signing up for the first time no insurance company can deny you unless you're in end stage renal failure.

Last edited by Tiny; Sun Jan 17 2016 02:03 PM.

Save a life, adopt a senior shelter pet.
The three main causes of blindness: Cataracts, Politics, Religion.
Let's go Jared!
Name your dog Naked so you can walk Naked in the park.
55shaker #1145162 Sun Jan 17 2016 04:27 PM
Joined: Apr 2005
Posts: 10,962
Grease Monkey, Moderator General Truck Talk & Greasy Spoon
I have Plan N and am fairly satisfied with it. Several of my Drs don't care for it because they regularly get checks for 4 cents. It doesn't pay well for regular small stuff but could save you from financial ruin on a bigger illness.


Martin
'62 Chevy C-10 Stepside Shortbed (Restomod in progress)
'47 Chevy 3100 5 Window (long term project)
‘65 Chevy Biscayne 4dr 230 I-6 one owner (I’m #2) “Emily”
‘39 Dodge Businessmans Coupe “Clarence”



"I fought the law and the law won" now I are a retired one!
Support those brave men/women who stand the "Thin Blue Line"! Hug a cop!
USAF 1965-1969 Weather Observation Tech (I got paid to look at the clouds)

55shaker #1145164 Sun Jan 17 2016 04:33 PM
Joined: Dec 2008
Posts: 1,094
5
'Bolter
I was also told,(don't know if it's true or not). That once I'm in a plan, I can't cancel out to another ins. co. till I'm cancer free for two years. You hear so much stuff, that you don't know what to believe and who to trust.


Brian
1955.2 3100 Truck


The older I get the more dangerous I am!!!!!
55shaker #1145195 Sun Jan 17 2016 07:58 PM
Joined: Apr 2005
Posts: 10,962
Grease Monkey, Moderator General Truck Talk & Greasy Spoon
Maybe you can transfer but not collect Cancer related benefits for two years. Someone who's been there will chime in soon.


Martin
'62 Chevy C-10 Stepside Shortbed (Restomod in progress)
'47 Chevy 3100 5 Window (long term project)
‘65 Chevy Biscayne 4dr 230 I-6 one owner (I’m #2) “Emily”
‘39 Dodge Businessmans Coupe “Clarence”



"I fought the law and the law won" now I are a retired one!
Support those brave men/women who stand the "Thin Blue Line"! Hug a cop!
USAF 1965-1969 Weather Observation Tech (I got paid to look at the clouds)


Moderated by  Justhorsenround 

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